Direct answer
Yes, standard homeowners insurance policies typically cover sudden and accidental water damage caused by a burst pipe, provided the pipe failure was not due to neglect or lack of maintenance.
Standard homeowners insurance policy language provided by the Insurance Services Office (ISO) regarding covered perils. For additional information about typical policy coverages and exclusions, see the Insurance Information Institute‘s guide on homeowners insurance.
What this means for you
Yes, standard homeowners insurance policies typically cover sudden and accidental water damage caused by a burst pipe, provided the pipe failure was not due to neglect or lack of maintenance.
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